Registration for the Norka Care Health and Group Personal Accident Insurance Scheme has already begun. Non-Resident Keralites (NRKs) must first possess a valid identity card to enrol.
These include the Pravasi ID Card for NRKs abroad, Student ID Card for Keralite students abroad, and NRK ID Card for NRKs residing in other Indian states.
What these ID cards offer and how to get them
Pravasi ID Card (NRKs abroad):It entitles holders to Rs 5 lakh accidental death coverage and Rs 2 lakh for permanent or partial disability.
Student ID Card (students abroad): Launched in April 2020, this card provides Rs 5 lakh personal accident coverage for death and up to Rs 2 lakh for permanent or partial disability.
NRK ID Card (NRKs within India): Introduced in June 2012, it offers Rs 5 lakh personal accident coverage for death and up to Rs 2 lakh for permanent or partial disability.
NPRI - Critical Illness Cover: Provides Rs 1 lakh for critical illness and add-on benefits: Rs 3 lakh for life accident, Rs 1 lakh for permanent/partial disability.
Here's how to get the cards:
- Register account: id.norkaroots.kerala.gov.in- create account and verify identity
- Submit application form: Complete the form and make payment
- Get approved: Receive digital identity card and physical card delivery
Norka Care insurance registration
Once NRKs have their ID cards, they can register for the Norka Care scheme, which provides ₹5 lakh health insurance and ₹10 lakh group personal accident coverage. The scheme was inaugurated by Hon. Chief Minister Shri Pinarayi Vijayan on 22 September 2025.
Here's how to register for Norka Care
- Individual registration: Visit norkaroots.kerala.gov.in or use the NORKA mobile app (Android & iOS)
- Group registration: Through NORKA-approved Pravasi organisations; non-approved associations receive a temporary ID for mass enrolment
- Corporate clients: Special registration facility for companies employing large Malayalee populations abroad
Important dates
Policy registration: 22 September - 21 October 2025
Policy effective: 1 November 2025
Coverage details
Health Insurance: ₹5,00,000 with illness-specific sub-limits
Group Personal Accident: ₹10 lakh coverage
- Death: 100% of sum insured + repatriation
- Within India: ₹25,000
- Outside India: ₹50,000
- Permanent/total disability: 100% coverage
- Permanent/partial disability: As per policy schedule
Premium (including GST)
Family floater (spouse + 2 children up to 25 years): ₹13,411
Individual (18-70 years): ₹8,101
Additional child (below 25 years): ₹4,130
Policy term: 1 year, renewable
Norka Care highlights
Coverage for pre-existing diseases
No waiting period (30 days waived)
60-day claim submission window
Cashless service in 14,000+ hospitals across India
Cashless treatment
Over 12,000 empanelled hospitals across India(View list)
More than 500 hospitals in Kerala (View list)